Ten Things Automobile Drivers Should Know About Motorcycles | Automobile and Motorcycle

1. There are a lot more cars and trucks than motorcycles on the road, and some drivers don’t “recognize” a motorcycle; they ignore it (usually unintentionally). Look for motorcycles, especially when checking traffic at an intersection.2. Because of its small size, a motorcycle may look farther away than it is. It may also be difficult to judge a motorcycle’s speed. When checking traffic to turn at an intersection or into (or out of) a driveway, predict a motorcycle is closer than it looks.3. Because of its small size, a motorcycle can be easily hidden in a car’s blind spots (door/roof pillars) or masked by objects or backgrounds outside a car (bushes, fences, bridges, etc). Take an extra moment to thoroughly check traffic, whether you’re changing lanes or turning at intersections.

4. Because of its small size a motorcycle may seem to be moving faster than it really is. Don’t assume all motorcyclists are speed demons.5. Motorcyclists often slow by downshifting or merely rolling off the throttle, thus not activating the brake light. Allow more following distance, say 3 or 4 seconds. At intersections, predict a motorcyclist may slow down without visual warning.6. Turn signals on a motorcycle usually are not self-canceling, thus some riders, (especially beginners) sometimes forget to turn them off after a turn or lane change. Make sure a motorcycle’s signal is for real.7. Motorcyclists often adjust position within a lane to be seen more easily and to minimize the effects of road debris, passing vehicles, and wind. Understand that motorcyclists adjust lane position for a purpose, not to be reckless or show off or to allow you to share the lane with them.

8. Maneuverability is one of a motorcycle’s better characteristics, especially at slower speeds and with good road conditions, but don’t expect a motorcyclist to always be able to dodge out of the way.9. Stopping distance for motorcycles is nearly the same as for cars, but slippery pavement makes stopping quickly difficult. Allow more following distance behind a motorcycle because it can’t always stop “on a dime.”10. When a motorcycle is in motion, don’t think of it as motorcycle; think of it as a person.

Key Factors In Motorcycle Insurance | Automobile and Motorcycle

Motorcycle insurance regulations are in close alignment with automobile insurance with some minor differences. When it is time for you to choose a motorcycle insurance policy for yourself, consult the following sources:* The dealer from where whom bought your motorcycle. Usually scenario, motorcycle dealerships have insurance tie-ups.
* Friends, relatives and co-workers can also provide you valuable information
* Motorcycle magazines have listings and advertisements of insurance companies. You might even be able to get a discount on your premium
* Internet listings in your locality
* If you already have car insurance, you could contact your known underwriter

Motorcycle Insurance: Types of Coverage There are primarily five motorcycle insurance policy factors you must know about:* Liability Cover: This is a mandatory insurance that covers damage or loss to life and property.* Collision Cover: This covers the pre-accident market value of your bike minus the deductibles. The damage should necessarily be caused by a collision with another vehicle or object.* Comprehensive Cover: This covers the pre-accident book value of your bike due to damages caused by factors other than collision: vandalism, fire, theft.* Underinsured or Uninsured Motorist Cover: If the responsible party in the accident is underinsured or not insured, this covers the value of damage that cannot be paid by the insurance company of the other party.* Medical Cover: If you do not have health insurance, medical coverage is of paramount importance to you. This covers all personal injury expenses.Motorcycle Insurance: Factors that Decide the Premium

Motorcycle insurance premiums are determined by the following factors:* Age
* Driving record
* Make of your bike
* Where you garage your bike
* Training and your maturity as a riderMotorcycle Insurance: Making a ClaimWhen it comes to the settlement of a motorcycle insurance claim, the most damaging thing you can do is to arrange a settlement with an insurance company without speaking to a knowledgeable attorney. It is an unfortunate perception that motorcyclist are by nature reckless and weave in and out of traffic. Thankfully, law does not pay heed to perceptions.